Call reports 2013
GRAND RIVER BANK — 2013
What GRAND RIVER BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 102,208,000 | 108,194,000 | 114,928,000 | 122,718,000 |
| Total loans | 89,344,000 | 97,172,000 | 98,524,000 | 102,238,000 |
| Allowance for loan losses | 1,100,000 | 1,198,000 | 1,244,000 | 1,244,000 |
| Securities available for sale | 5,400,000 | 5,112,000 | 5,966,000 | 5,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,102,000 | 93,311,000 | 104,004,000 | 110,585,000 |
| Interest-bearing deposits | 79,124,000 | 81,523,000 | 89,561,000 | 93,984,000 |
| Noninterest-bearing deposits | 11,978,000 | 11,788,000 | 14,443,000 | 16,601,000 |
| Equity capital | 9,356,000 | 9,195,000 | 9,152,000 | 10,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,023,000 | 2,079,000 | 3,214,000 | 4,392,000 |
| Interest expense | 206,000 | 415,000 | 627,000 | 847,000 |
| Net interest income | 817,000 | 1,664,000 | 2,587,000 | 3,545,000 |
| Noninterest income | 139,000 | 250,000 | 402,000 | 533,000 |
| Noninterest expense | 960,000 | 1,907,000 | 2,977,000 | 3,975,000 |
| Provision for loan losses | 21,000 | 119,000 | 165,000 | 165,000 |
| Pretax income | -25,000 | -112,000 | -153,000 | -62,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -25,000 | -112,000 | -153,000 | -62,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,333,000 | 9,247,000 | 9,205,000 | 10,296,000 |
| Total capital | 10,433,000 | 10,442,000 | 10,423,000 | 11,534,000 |
| Risk-weighted assets | 89,276,000 | 95,563,000 | 97,448,000 | 99,004,000 |
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